[consp]

I do not know how it is in the US, but where I live those automatic subscriptions are cancelable (and usually refundable) by the user via the bank or credit card company if the company collecting it is not responding. This is very easy in the first 56 days and a bit harder afterwards. They can retry to collect but you can keep doing it. The idea is you send them a official letter telling them you revoke your authorization which they have to do, not adhering to that request is their problem not yours. Depending on the contract this might trigger fines or require you to front the entire bill at once but for normal recurring subscriptions this is not an issue and otherwise should be reasonable (paying a 'fine' higher than the total sum is not allowed for instance).

[judge2020]

It's the same in the U.S. If you do this, the failed charges might be sent to collections agencies, but that doesn't usually matter much to lenders if it's a small subscription - although this $100/mo NBA charge might cause some issues.

[tobmlt]

Thanks for pointing this out!

I wonder if someone can start a service to facilitate this for people. So many dark patterns, so many opportunities to ease the transaction costs/friction of disentangling? ;)

[Phlarp]

American debit cards generally don't have these protections, but American credit cards absolutely do have robust consumer protection mechanisms.

It's also a pretty big negative mark for merchants that get charge-backs issued against them, if just a small percentage of people used charge backs to cancel these "subscriptions" it would make their processing fees skyrocket or even get them dropped by the major processors